Viewing the 'Tip of the day' Category

Just read this article on Business Insider, a couple pays off $110,000 in two years following Dave Ramsey's Total Money Makeover

It's a great read, I think you all would enjoy.
[url]http://www.businessinsider.com/how-this-couple-paid-off-110000-of-debt-in-2-years-2015-3?utm_content=bufferabee8&utm_medium=social&utm_source=facebook.com&utm_campaign=buffer[/url]

Also I've manage to keep up with my 52 Week and $20 Challenge, I'm currently at $1241.75. Hoping to hit the $2000 mark by June.

This was in my inbox from the Dollar Stretcher and thought I would share:

Free Improved Scouring Pads I do a lot of cooking, and often, my pots need a goodscrubbing on the bottom because my kitchen sponge won't cutthrough. I was going through a lot of those little silverscouring pads. And after you use them just once, the food getsstuck in them and they look terrible. I'm sure they are fullof germs after the food sits there for awhile. I started using the mesh bags that my onions come in to scrubmy pots, and they work wonderfully! You can use the whole bagfor a bigger, thicker scouring pad, or you can cut it to yourdesired size. And after using it, they rinse out clean!Josephine C

here are a few tips that was in my inbox from the Dollarstretcher.com and just thought I would share:

Handy Packing Material I have to mail a lot of packages to family for the variousbirthdays, new births, etc. I don't always have anything tohelp cushion my gifts in the box. The other day I realized Icould use the plastic bag that comes with my newspaper. Justblow it up and tie off the end. You can adjust the size to fityour needs by making it as big or small as you need. It worksjust as well as those expensive air packs or packing bubblewrap.Barb M. ********* Easy Scissor Sharpening I sharpen my scissors by cutting a piece of aluminum foilseveral times. This also works on paper cutters.Cara

This is why I do not buy cell phone insurance along with the $50 deductible. Anyhow, this was in my inbox from the Dollar Stretcher and I thought I would share:

Used Cell Phones I don't think anyone needs to take out cell phone insurance,especially if you're like me with used cell phones you've notdisposed of. Here's the reason why. My son's cell phone wasrun over by a car and smashed to pieces. He had one month togo on his cell phone contract and would be eligible for adiscounted upgrade in 30 days. What to do? He borrowed afriend's old, used cell phone (from the same provider), calledthe company, and they transferred my son's service to the usedphone. I learned from this to keep at least one of my old cellphones.

Here is another tip that was in my inbox from the Dollar stretcher that I thought was a good idea, especially for those of us who pack our lunches:

Custom Cold Packs

I have bad knees, so I often need to ice them. I was using ice
cubes or frozen bags of water, but all those corners are
terribly unpleasant. I went to the pharmacy to buy one of
those reusable gel packs only to find out that they are
terribly expensive! My husband joked that we should fill a bag
with whiskey and put that in the freezer, which gave me an even cheaper idea. I took an 89-cent bottle of rubbing alcohol out of the medicine cabinet, poured some into a freezer bag
with twice as much water, and stuck it in the freezer. I had a reusable gel-pack with no sharp corners for less than a dollar. I have two in my freezer all the time, so after I've used one, I can exchange it for the other.
Janine S.

This was in my inbox from the Dollar Stretcher and just wanted to shar with everyone.

Liner paper for cabinets is very expensive. A great liner for cabinets is wallpaper. You can buy rolls cheaply at yard sales for 50 cents or $1, or you can even find it at discount stores. The patterns are really beautiful and can really brighten up your kitchen for a tremendous savings. You can also use them to line drawers.

If you are like me and love to burn candles I say buy a candle burner for about $6. I bought one last year and have not needed to buy new candles, the wax melts and gives off a great smell then it forms again and I just place them back on the burner, I have saved a ton of money on candles.

I found an easy way to squeeze out $90 or more per month to
deposit in the savings account by totaling the following:

(1) Reward card savings - I total all the sale price and card
"savings" listed on receipts and earmark that amount for
savings. This can total around $50 per month. (After all, I
would have spent it anyway.)

(2) Spare change - My bank has a "Keep the Change" program
that rounds up each debit card purchase to the nearest dollar,
and deposits the difference into my savings. This can total
around $15 per month. I also roll my coins as they're
received, and this totals around $12 per month.

(3) Luxury tax - Any time I buy something not strictly
necessary, I tax myself 10% of the purchase price.
Unfortunately, this totals around $15 per month now, but at
least, it keeps me honest

Install the new type of fluorescent bulbs in lights you leave on for long periods. They provide four times as much light and last ten times longer than incandescent bulbs. Potential Money Savings: $10-$50/yr.